How do you cover the cost of fertility treatments?

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a BabyCenter Member
says

My husband and I are incredibly fortunate to both have local government jobs. His is a union job so his benefits are amazing and IVF is covered 100%. Without it, we wouldn't have been able to do IUI, which we did three times, or IVF, which we've done four times so far. Even with our insurance, we pay $950 out of pocket for embryo freezing each cycle and a $20 copay for each appointment and if you've done IVF, you know that you have appointments for bloodwork and an ultrasound every other day or every day. We are so so grateful for our insurance and we wish we could put other women on our insurance, too, for the chance to conceive.

We have actually taken out two loans and put our cars back on loan. Insurance doesn not cover any of our fertility, only the underlying cause. To date we have spent over 20,000 on fertility treatments and medications....and its our first time

Insurance covered nothing. We are self employed, so everything came out of pocket for us. Luckily, my husband had money saved and we were fortunate enough to be able to get pregnant on the first IUI. The cost of appointments, injectibles, medication, and ultrasounds, as well as the procedure itself would have broke us if we had to repeat it several times.

My husband and I were fortunate enough to only need ovulation induction. We were also able to use drugs such as Clomid which are cheaper to buy and come with cheaper treatment cycles then the injectable medications. With these treatments we were able to pay for our infertility treatments with a small loan, about half the cost of a typical IVF cycle. Which was enough for half a years cycles. We've been blessed enough to conceive only a couple cycles into it all so now we have a little left for the much needed improvements to our extra bedroom/soon to be nursery. :)

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